Category Archives: Credit Cards

When opening a secured credit card account, typically an upfront refundable deposit must be made in order to unlock its credit limit. This deposit serves to reduce lending risk, with most issuers refunding this sum when you close or upgrade to an unsecured card account. Refund timing Security deposits on secured credit cards serve as […]

Credit cards can be an indispensable resource for college students, but they should be used responsibly. Students should look into opening cards that offer rewards programs in order to maximize their benefits. Student cards typically offer lower credit limits and may come without or low annual fees; some cards even come equipped with cash back […]

Discover it Balance Transfer card is an outstanding solution for those seeking to reduce credit card debt. Boasting an extended 0% introductory APR offer and generous rewards program which matches all cash back earned during its inaugural year, it stands out among competing cards. But if you need extra time to pay down debt or […]

Business credit cards with no preset spending limits often offer generous rewards rates and benefits tailored to the needs of small business owners. With these cards, typically all balances must be paid at the end of each billing cycle as well as annual fees being collected by them. Business credit cards often report to commercial […]

Credit cards can be an excellent way to finance home renovations. Many credit cards offer 0% interest and rewards programs; some even feature balance transfer features at no cost. However, it’s essential to recognize the risks associated with using credit cards for home renovation. Without being disciplined and sticking to a budget, credit cards can […]

Credit cards can be powerful tools for building credit and reaping the rewards they bring, yet misusing credit cards can have adverse effects on both your finances and credit history. Excessive use can lower your score, result in expensive interest rates and put you on the path towards debt. Understanding how to avoid common credit […]

Secured credit cards require you to make a refundable security deposit that usually equals their maximum credit limit. Relying on secured cards responsibly can help build or rebuild your credit history, with some cards offering the option to move up to an unsecured card after making on-time payments for an established period of time. It’s […]

Consumers who spend frequently in one category like groceries or home improvement may find this card attractive; however, its main limitation lies with a limited maximum spending that earns bonus rewards each billing cycle. Citi Custom Cash Card provides up to 5% cash back in one eligible category per billing cycle up to $500 and […]

Baggage fees can quickly add up when traveling with a family. But the right credit card can help save you money by covering these charges directly. Co-branded airline cards often provide many perks, including complimentary checked bags. Unfortunately, these benefits tend to be limited by which carrier you fly with. Other cards, like the National […]

Business cards provide contact information, introduce companies, brands or individuals and can even convey an important message visually. Holding both personal and business credit cards from one issuer can bring many advantages. But in order to take full advantage of them, responsible management is required:. 1. Convenience Have both personal and business credit cards from […]